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Savings rates

Please note that issue 65 of our M&S Cash ISA Fixed Rate Savings and M&S Fixed Rate Savings options will close shortly and a new issue will launch on 16 October. As rates are increasing you may wish to consider waiting until 16 October before making your deposit.

Products currently available

Interest rates for all customers:
From	To	AER	Gross
27/01/2026	-	1.05%	1.04%
02/09/2025	26/01/2026	1.15%	1.14%
03/06/2025	01/09/2025	1.30%	1.29%
05/03/2025	02/06/2025	1.35%	1.34%
17/12/2024	04/03/2025	1.50%	1.49%
10/10/2024	16/12/2024	1.75%	1.74%
10/08/2023	09/10/2024	2.00%	1.98%
20/07/2023	09/08/2023	1.75%	1.74%
08/06/2023	19/07/2023	1.35%	1.34%
20/04/2023	07/06/2023	1.30%	1.29%
01/03/2023	19/04/2023	1.20%	1.19%
02/02/2023	28/02/2023	0.90%	0.90%
15/12/2022	01/02/2023	0.65%	0.65%
02/11/2022	14/12/2022	0.50%	0.50%
21/09/2022	01/11/2022	0.40%	0.40%
03/08/2022	20/09/2022	0.20%	0.20%
01/03/2022	02/08/2022	0.10%	0.10%
05/05/2020	28/02/2022	0.01%	0.01%
11/12/2019	04/05/2020	0.15%	0.15%
13/09/2018	10/12/2019	0.20%	0.20%
18/10/2016	12/09/2018	0.10%	0.10%
06/04/2016	17/10/2016	0.35%	0.35%

Interest rates for all customers:
From	27/01/2026
To	-
AER	1.05%
Gross	1.04%

From	02/09/2025
To	26/01/2026
AER	1.15%
Gross	1.14%

From	03/06/2025
To	01/09/2025
AER	1.30%
Gross	1.29%

From	05/03/2025
To	02/06/2025
AER	1.35%
Gross	1.34%

From	17/12/2024
To	04/03/2025
AER	1.50%
Gross	1.49%

From	10/10/2024
To	16/12/2024
AER	1.75%
Gross	1.74%

From	10/08/2023
To	09/10/2024
AER	2.00%
Gross	1.98%

From	20/07/2023
To	09/08/2023
AER	1.75%
Gross	1.74%

From	08/06/2023
To	19/07/2023
AER	1.35%
Gross	1.34%

From	20/04/2023
To	07/06/2023
AER	1.30%
Gross	1.29%

From	01/03/2023
To	19/04/2023
AER	1.20%
Gross	1.19%

From	02/02/2023
To	28/02/2023
AER	0.90%
Gross	0.90%

From	15/12/2022
To	01/02/2023
AER	0.65%
Gross	0.65%

From	02/11/2022
To	14/12/2022
AER	0.50%
Gross	0.50%

From	21/09/2022
To	01/11/2022
AER	0.40%
Gross	0.40%

From	03/08/2022
To	20/09/2022
AER	0.20%
Gross	0.20%

From	01/03/2022
To	02/08/2022
AER	0.10%
Gross	0.10%

From	05/05/2020
To	28/02/2022
AER	0.01%
Gross	0.01%

From	11/12/2019
To	04/05/2020
AER	0.15%
Gross	0.15%

From	13/09/2018
To	10/12/2019
AER	0.20%
Gross	0.20%

From	18/10/2016
To	12/09/2018
AER	0.10%
Gross	0.10%

From	06/04/2016
To	17/10/2016
AER	0.35%
Gross	0.35%

From 03/01/2013 to 05/04/2016
From	To	AER	Gross	Net
12/04/2013	05/04/2016	0.35%	0.35%	0.28%
03/01/2013	11/04/2013	1.35%	1.34%	1.07%

From 03/01/2013 to 05/04/2016
From	12/04/2013
To	05/04/2016
AER	0.35%
Gross	0.35%
Net	0.28%

From	03/01/2013
To	11/04/2013
AER	1.35%
Gross	1.34%
Net	1.07%

Interest rates subject to variation

From 14/05/2009 to 02/01/2013
From	To	AER (Including bonus)	Gross (Including Bonus)	Net (Including bonus)	AER (Go to rate)	Gross (Go to rate)	Net (Go to rate)
24/08/2010	02/01/2013	2.35%	2.33%	1.86%	1.35%	1.34%	1.07%
14/05/2009	23/08/2010	1.56%	1.55%	1.24%	0.55%	0.55%	0.44%

From 14/05/2009 to 02/01/2013
From	24/08/2010
To	02/01/2013
AER (Including bonus)	2.35%
Gross (Including Bonus)	2.33%
Net (Including bonus)	1.86%
AER (Go to rate)	1.35%
Gross (Go to rate)	1.34%
Net (Go to rate)	1.07%

From	14/05/2009
To	23/08/2010
AER (Including bonus)	1.56%
Gross (Including Bonus)	1.55%
Net (Including bonus)	1.24%
AER (Go to rate)	0.55%
Gross (Go to rate)	0.55%
Net (Go to rate)	0.44%

Interest rates subject to variation. Rate included a 1% bonus for 12 months from account opening.

From 09/02/2012 to now
From	To	Tax Free Rate	AER
03/06/2025	-	2.30%	2.30%
05/03/2025	02/06/2025	2.35%	2.35%
17/12/2024	04/03/2025	2.50%	2.50%
10/10/2024	16/12/2024	2.80%	2.80%
10/08/2023	09/10/2024	3.00%	3.00%
20/07/2023	09/08/2023	2.80%	2.80%
08/06/2023	19/07/2023	2.50%	2.50%
15/12/2022	07/06/2023	2.30%	2.30%
02/11/2022	14/12/2022	1.40%	1.40%
21/09/2022	01/11/2022	0.70%	0.70%
03/08/2022	20/09/2022	0.45%	0.45%
28/04/2022	02/08/2022	0.35%	0.35%
01/03/2022	27/04/2022	0.20%	0.20%
05/05/2020	28/02/2022	0.10%	0.10%
11/12/2019	04/05/2020	0.55%	0.55%
13/09/2018	10/12/2019	0.85%	0.85%
23/11/2017	12/09/2018	0.75%	0.75%
10/02/2017	22/11/2017	0.50%	0.50%
18/10/2016	09/02/2017	0.80%	0.80%
28/07/2016	17/10/2016	1.10%	1.10%
10/05/2013	27/07/2016	1.30%	1.30%
06/03/2013	09/05/2013	2.25%	2.25%
11/12/2012	05/03/2013	2.75%	2.75%
09/02/2012	10/12/2012	3.00%	3.00%

From 09/02/2012 to now
From	03/06/2025
To	-
Tax Free Rate	2.30%
AER	2.30%

From	05/03/2025
To	02/06/2025
Tax Free Rate	2.35%
AER	2.35%

From	17/12/2024
To	04/03/2025
Tax Free Rate	2.50%
AER	2.50%

From	10/10/2024
To	16/12/2024
Tax Free Rate	2.80%
AER	2.80%

From	10/08/2023
To	09/10/2024
Tax Free Rate	3.00%
AER	3.00%

From	20/07/2023
To	09/08/2023
Tax Free Rate	2.80%
AER	2.80%

From	08/06/2023
To	19/07/2023
Tax Free Rate	2.50%
AER	2.50%

From	15/12/2022
To	07/06/2023
Tax Free Rate	2.30%
AER	2.30%

From	02/11/2022
To	14/12/2022
Tax Free Rate	1.40%
AER	1.40%

From	21/09/2022
To	01/11/2022
Tax Free Rate	0.70%
AER	0.70%

From	03/08/2022
To	20/09/2022
Tax Free Rate	0.45%
AER	0.45%

From	28/04/2022
To	02/08/2022
Tax Free Rate	0.35%
AER	0.35%

From	01/03/2022
To	27/04/2022
Tax Free Rate	0.20%
AER	0.20%

From	05/05/2020
To	28/02/2022
Tax Free Rate	0.10%
AER	0.10%

From	11/12/2019
To	04/05/2020
Tax Free Rate	0.55%
AER	0.55%

From	13/09/2018
To	10/12/2019
Tax Free Rate	0.85%
AER	0.85%

From	23/11/2017
To	12/09/2018
Tax Free Rate	0.75%
AER	0.75%

From	10/02/2017
To	22/11/2017
Tax Free Rate	0.50%
AER	0.50%

From	18/10/2016
To	09/02/2017
Tax Free Rate	0.80%
AER	0.80%

From	28/07/2016
To	17/10/2016
Tax Free Rate	1.10%
AER	1.10%

From	10/05/2013
To	27/07/2016
Tax Free Rate	1.30%
AER	1.30%

From	06/03/2013
To	09/05/2013
Tax Free Rate	2.25%
AER	2.25%

From	11/12/2012
To	05/03/2013
Tax Free Rate	2.75%
AER	2.75%

From	09/02/2012
To	10/12/2012
Tax Free Rate	3.00%
AER	3.00%

Interest rates are variable and can change at any time.


From	To	Tax Free Rate	AER	Go to rate AER/Tax Free
22/07/2010	08/02/2012	1.50%	1.50%	N/A
22/06/2010	21/07/2010	2.50%	1.58%	1.50%
22/05/2010	21/06/2010	2.50%	1.67%	1.50%
22/04/2010	21/05/2010	2.50%	1.75%	1.50%
22/03/2010	21/04/2010	2.50%	1.83%	1.50%
22/02/2010	21/03/2010	2.50%	1.92%	1.50%
22/01/2010	21/02/2010	2.50%	2.00%	1.50%
22/12/2009	21/01/2010	2.50%	2.08%	1.50%
22/11/2009	21/12/2009	2.50%	2.17%	1.50%
22/10/2009	21/11/2009	2.50%	2.25%	1.50%
01/10/2009	21/10/2009	2.50%	2.33%	1.50%
22/09/2009	30/09/2009	2.50%	2.08%	1.50%
22/08/2009	21/09/2009	2.50%	2.17%	1.50%
22/07/2009	21/08/2009	2.50%	2.25%	1.50%
22/06/2009	21/07/2009	2.50%	2.33%	1.50%
12/06/2009	21/06/2009	2.50%	2.42%	1.50%
22/04/2009	11/06/2009	3.10%	3.02%	2.10%
22/01/2009	21/04/2009	3.10%	3.10%	2.10%


From	22/07/2010
To	08/02/2012
Tax Free Rate	1.50%
AER	1.50%
Go to rate AER/Tax Free	N/A

From	22/06/2010
To	21/07/2010
Tax Free Rate	2.50%
AER	1.58%
Go to rate AER/Tax Free	1.50%

From	22/05/2010
To	21/06/2010
Tax Free Rate	2.50%
AER	1.67%
Go to rate AER/Tax Free	1.50%

From	22/04/2010
To	21/05/2010
Tax Free Rate	2.50%
AER	1.75%
Go to rate AER/Tax Free	1.50%

From	22/03/2010
To	21/04/2010
Tax Free Rate	2.50%
AER	1.83%
Go to rate AER/Tax Free	1.50%

From	22/02/2010
To	21/03/2010
Tax Free Rate	2.50%
AER	1.92%
Go to rate AER/Tax Free	1.50%

From	22/01/2010
To	21/02/2010
Tax Free Rate	2.50%
AER	2.00%
Go to rate AER/Tax Free	1.50%

From	22/12/2009
To	21/01/2010
Tax Free Rate	2.50%
AER	2.08%
Go to rate AER/Tax Free	1.50%

From	22/11/2009
To	21/12/2009
Tax Free Rate	2.50%
AER	2.17%
Go to rate AER/Tax Free	1.50%

From	22/10/2009
To	21/11/2009
Tax Free Rate	2.50%
AER	2.25%
Go to rate AER/Tax Free	1.50%

From	01/10/2009
To	21/10/2009
Tax Free Rate	2.50%
AER	2.33%
Go to rate AER/Tax Free	1.50%

From	22/09/2009
To	30/09/2009
Tax Free Rate	2.50%
AER	2.08%
Go to rate AER/Tax Free	1.50%

From	22/08/2009
To	21/09/2009
Tax Free Rate	2.50%
AER	2.17%
Go to rate AER/Tax Free	1.50%

From	22/07/2009
To	21/08/2009
Tax Free Rate	2.50%
AER	2.25%
Go to rate AER/Tax Free	1.50%

From	22/06/2009
To	21/07/2009
Tax Free Rate	2.50%
AER	2.33%
Go to rate AER/Tax Free	1.50%

From	12/06/2009
To	21/06/2009
Tax Free Rate	2.50%
AER	2.42%
Go to rate AER/Tax Free	1.50%

From	22/04/2009
To	11/06/2009
Tax Free Rate	3.10%
AER	3.02%
Go to rate AER/Tax Free	2.10%

From	22/01/2009
To	21/04/2009
Tax Free Rate	3.10%
AER	3.10%
Go to rate AER/Tax Free	2.10%

Rates included a 1% bonus payable until 21 July 2010. Interest rates were variable and could change at any time, including within the latest date range quoted above. The rates were presented in this way to reflect the reduction in the AER relative to the tax free rate over time. The AER reduced in this way because it was always calculated over a full 12 month period, while the bonus was only paid until a fixed date.

Fixed Rate Savings Issue 65
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	3.85%	4.05%	4.00%

Fixed Rate Savings Issue 65
Interest	AER/Gross
1 year fixed rate	3.85%
2 year fixed rate	4.05%
3 year fixed rate	4.00%

Fixed Rate Savings Issue 65 (Cash ISA)
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	4.10%	4.15%	4.15%

Fixed Rate Savings Issue 65 (Cash ISA)
Interest	AER/Tax-Free
1 year fixed rate	4.10%
2 year fixed rate	4.15%
3 year fixed rate	4.15%

Products no longer available

Fixed Rate Savings Issue 64

Closed 19/07/2026
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	3.85%	4.05%	4.00%

Fixed Rate Savings Issue 64

Closed 19/07/2026
Interest	AER/Gross
1 year fixed rate	3.85%
2 year fixed rate	4.05%
3 year fixed rate	4.00%

Fixed Rate Savings Issue 64 (Cash ISA)

Closed 19/07/2026
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	4.25%	4.25%	4.25%

Fixed Rate Savings Issue 64 (Cash ISA)

Closed 19/07/2026
Interest	AER/Tax-Free
1 year fixed rate	4.25%
2 year fixed rate	4.25%
3 year fixed rate	4.25%

Fixed Rate Savings Issue 63

Closed 17/06/2026
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	3.50%	3.45%	3.70%

Fixed Rate Savings Issue 63

Closed 17/06/2026
Interest	AER/Gross
1 year fixed rate	3.50%
2 year fixed rate	3.45%
3 year fixed rate	3.70%

Fixed Rate Savings Issue 63 (Cash ISA)

Closed 17/06/2026
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	3.90%	3.85%	3.85%

Fixed Rate Savings Issue 63 (Cash ISA)

Closed 17/06/2026
Interest	AER/Tax-Free
1 year fixed rate	3.90%
2 year fixed rate	3.85%
3 year fixed rate	3.85%

Fixed Rate Savings Issue 62

Closed 06/05/2026
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	3.50%	3.45%	3.45%

Fixed Rate Savings Issue 62

Closed 06/05/2026
Interest	AER/Gross
1 year fixed rate	3.50%
2 year fixed rate	3.45%
3 year fixed rate	3.45%

Fixed Rate Savings Issue 62 (Cash ISA)

Closed 06/05/2026
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	3.80%	3.60%	3.60%

Fixed Rate Savings Issue 62 (Cash ISA)

Closed 06/05/2026
Interest	AER/Tax-Free
1 year fixed rate	3.80%
2 year fixed rate	3.60%
3 year fixed rate	3.60%

Fixed Rate Savings Issue 61

Closed 07/04/2026
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	3.50%	3.45%	3.45%

Fixed Rate Savings Issue 61

Closed 07/04/2026
Interest	AER/Gross
1 year fixed rate	3.50%
2 year fixed rate	3.45%
3 year fixed rate	3.45%

Fixed Rate Savings Issue 61 (Cash ISA)

Closed 07/04/2026
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	3.50%	3.50%	3.50%

Fixed Rate Savings Issue 61 (Cash ISA)

Closed 07/04/2026
Interest	AER/Tax-Free
1 year fixed rate	3.50%
2 year fixed rate	3.50%
3 year fixed rate	3.50%

Fixed Rate Savings Issue 60

Closed 24/02/2026
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	3.50%	3.45%	3.45%

Fixed Rate Savings Issue 60

Closed 24/02/2026
Interest	AER/Gross
1 year fixed rate	3.50%
2 year fixed rate	3.45%
3 year fixed rate	3.45%

Fixed Rate Savings Issue 60 (Cash ISA)

Closed 24/02/2026
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	3.50%	3.45%	3.45%

Fixed Rate Savings Issue 60 (Cash ISA)

Closed 24/02/2026
Interest	AER/Tax-Free
1 year fixed rate	3.50%
2 year fixed rate	3.45%
3 year fixed rate	3.45%

Fixed Rate Savings Issue 59

Closed 19/01/2026
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	3.70%	3.65%	3.50%

Fixed Rate Savings Issue 59

Closed 19/01/2026
Interest	AER/Gross
1 year fixed rate	3.70%
2 year fixed rate	3.65%
3 year fixed rate	3.50%

Fixed Rate Savings Issue 59 (Cash ISA)

Closed 19/01/2026
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	3.80%	3.70%	3.55%

Fixed Rate Savings Issue 59 (Cash ISA)

Closed 19/01/2026
Interest	AER/Tax-Free
1 year fixed rate	3.80%
2 year fixed rate	3.70%
3 year fixed rate	3.55%

Fixed Rate Savings Issue 58

Closed 13/11/2025
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	3.80%	3.75%	3.55%

Fixed Rate Savings Issue 58

Closed 13/11/2025
Interest	AER/Gross
1 year fixed rate	3.80%
2 year fixed rate	3.75%
3 year fixed rate	3.55%

Fixed Rate Savings Issue 58 (Cash ISA)

Closed 13/11/2025
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	4.00%	3.80%	3.55%

Fixed Rate Savings Issue 58 (Cash ISA)

Closed 13/11/2025
Interest	AER/Tax-Free
1 year fixed rate	4.00%
2 year fixed rate	3.80%
3 year fixed rate	3.55%

Fixed Rate Savings Issue 57

Closed 09/07/2025
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	4.00%	3.80%	3.55%

Fixed Rate Savings Issue 57

Closed 09/07/2025
Interest	AER/Gross
1 year fixed rate	4.00%
2 year fixed rate	3.80%
3 year fixed rate	3.55%

Fixed Rate Savings Issue 57 (Cash ISA)

Closed 09/07/2025
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	4.00%	3.80%	3.55%

Fixed Rate Savings Issue 57 (Cash ISA)

Closed 09/07/2025
Interest	AER/Tax-Free
1 year fixed rate	4.00%
2 year fixed rate	3.80%
3 year fixed rate	3.55%

Fixed Rate Savings Issue 56

Closed 12/05/2025
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	4.05%	3.80%	3.70%

Fixed Rate Savings Issue 56

Closed 12/05/2025
Interest	AER/Gross
1 year fixed rate	4.05%
2 year fixed rate	3.80%
3 year fixed rate	3.70%

Fixed Rate Savings Issue 56 (Cash ISA)

Closed 12/05/2025
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	4.05%	3.80%	3.70%

Fixed Rate Savings Issue 56 (Cash ISA)

Closed 12/05/2025
Interest	AER/Tax-Free
1 year fixed rate	4.05%
2 year fixed rate	3.80%
3 year fixed rate	3.70%

Fixed Rate Savings Issue 55

Closed 19/01/2025
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	3.90%	3.50%	3.45%

Fixed Rate Savings Issue 55

Closed 19/01/2025
Interest	AER/Gross
1 year fixed rate	3.90%
2 year fixed rate	3.50%
3 year fixed rate	3.45%

Fixed Rate Savings Issue 55 (Cash ISA)

Closed 19/01/2025
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	3.90%	3.50%	3.45%

Fixed Rate Savings Issue 55 (Cash ISA)

Closed 19/01/2025
Interest	AER/Tax-Free
1 year fixed rate	3.90%
2 year fixed rate	3.50%
3 year fixed rate	3.45%

Fixed Rate Savings Issue 54

Closed 23/10/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	4.10%	3.70%	3.45%

Fixed Rate Savings Issue 54

Closed 23/10/2024
Interest	AER/Gross
1 year fixed rate	4.10%
2 year fixed rate	3.70%
3 year fixed rate	3.45%

Fixed Rate Savings Issue 54 (Cash ISA)

Closed 23/10/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	4.20%	3.70%	3.45%

Fixed Rate Savings Issue 54 (Cash ISA)

Closed 23/10/2024
Interest	AER/Tax-Free
1 year fixed rate	4.20%
2 year fixed rate	3.70%
3 year fixed rate	3.45%

Fixed Rate Savings Issue 53

Closed 03/10/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	4.35%	3.85%	3.75%

Fixed Rate Savings Issue 53

Closed 03/10/2024
Interest	AER/Gross
1 year fixed rate	4.35%
2 year fixed rate	3.85%
3 year fixed rate	3.75%

Fixed Rate Savings Issue 53 (Cash ISA)

Closed 03/10/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	4.45%	3.85%	3.75%

Fixed Rate Savings Issue 53 (Cash ISA)

Closed 03/10/2024
Interest	AER/Tax-Free
1 year fixed rate	4.45%
2 year fixed rate	3.85%
3 year fixed rate	3.75%

Fixed Rate Savings Issue 52

Closed 17/09/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	4.45%	4.10%	3.75%

Fixed Rate Savings Issue 52

Closed 17/09/2024
Interest	AER/Gross
1 year fixed rate	4.45%
2 year fixed rate	4.10%
3 year fixed rate	3.75%

Fixed Rate Savings Issue 52 (Cash ISA)

Closed 17/09/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	4.45%	4.10%	3.75%

Fixed Rate Savings Issue 52 (Cash ISA)

Closed 17/09/2024
Interest	AER/Tax-Free
1 year fixed rate	4.45%
2 year fixed rate	4.10%
3 year fixed rate	3.75%

Fixed Rate Savings Issue 51

Closed 18/07/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	4.30%	4.00%	3.75%

Fixed Rate Savings Issue 51

Closed 18/07/2024
Interest	AER/Gross
1 year fixed rate	4.30%
2 year fixed rate	4.00%
3 year fixed rate	3.75%

Fixed Rate Savings Issue 51 (Cash ISA)

Closed 18/07/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	4.60%	4.20%	3.75%

Fixed Rate Savings Issue 51 (Cash ISA)

Closed 18/07/2024
Interest	AER/Tax-Free
1 year fixed rate	4.60%
2 year fixed rate	4.20%
3 year fixed rate	3.75%

Fixed Rate Savings Issue 50

Closed 27/06/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	4.30%	4.00%	3.75%

Fixed Rate Savings Issue 50

Closed 27/06/2024
Interest	AER/Gross
1 year fixed rate	4.30%
2 year fixed rate	4.00%
3 year fixed rate	3.75%

Fixed Rate Savings Issue 50 (Cash ISA)

Closed 27/06/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	4.60%	4.20%	3.75%

Fixed Rate Savings Issue 50 (Cash ISA)

Closed 27/06/2024
Interest	AER/Tax-Free
1 year fixed rate	4.60%
2 year fixed rate	4.20%
3 year fixed rate	3.75%

Fixed Rate Savings Issue 49

Closed 02/05/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	4.30%	4.00%	3.75%

Fixed Rate Savings Issue 49

Closed 02/05/2024
Interest	AER/Gross
1 year fixed rate	4.30%
2 year fixed rate	4.00%
3 year fixed rate	3.75%

Fixed Rate Savings Issue 49 (Cash ISA)

Closed 02/05/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	4.30%	4.00%	3.75%

Fixed Rate Savings Issue 49 (Cash ISA)

Closed 02/05/2024
Interest	AER/Tax-Free
1 year fixed rate	4.30%
2 year fixed rate	4.00%
3 year fixed rate	3.75%

Fixed Rate Savings Issue 48

Closed 12/03/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	4.35%	4.05%	3.75%

Fixed Rate Savings Issue 48

Closed 12/03/2024
Interest	AER/Gross
1 year fixed rate	4.35%
2 year fixed rate	4.05%
3 year fixed rate	3.75%

Fixed Rate Savings Issue 48 (Cash ISA)

Closed 12/03/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	4.35%	4.05%	3.75%

Fixed Rate Savings Issue 48 (Cash ISA)

Closed 12/03/2024
Interest	AER/Tax-Free
1 year fixed rate	4.35%
2 year fixed rate	4.05%
3 year fixed rate	3.75%

Fixed Rate Savings Issue 47

Closed 07/02/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	4.60%	4.30%	3.75%

Fixed Rate Savings Issue 47

Closed 07/02/2024
Interest	AER/Gross
1 year fixed rate	4.60%
2 year fixed rate	4.30%
3 year fixed rate	3.75%

Fixed Rate Savings Issue 47 (Cash ISA)

Closed 07/02/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	4.60%	4.30%	3.75%

Fixed Rate Savings Issue 47 (Cash ISA)

Closed 07/02/2024
Interest	AER/Tax-Free
1 year fixed rate	4.60%
2 year fixed rate	4.30%
3 year fixed rate	3.75%

Fixed Rate Savings Issue 46

Closed 10/01/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	4.75%	4.30%	3.90%

Fixed Rate Savings Issue 46

Closed 10/01/2024
Interest	AER/Gross
1 year fixed rate	4.75%
2 year fixed rate	4.30%
3 year fixed rate	3.90%

Fixed Rate Savings Issue 46 (Cash ISA)

Closed 10/01/2024
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	4.75%	4.30%	3.90%

Fixed Rate Savings Issue 46 (Cash ISA)

Closed 10/01/2024
Interest	AER/Tax-Free
1 year fixed rate	4.75%
2 year fixed rate	4.30%
3 year fixed rate	3.90%

Fixed Rate Savings Issue 45

Closed 19/12/2023
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	5.20%	4.85%	4.60%

Fixed Rate Savings Issue 45

Closed 19/12/2023
Interest	AER/Gross
1 year fixed rate	5.20%
2 year fixed rate	4.85%
3 year fixed rate	4.60%

Fixed Rate Savings Issue 45 (Cash ISA)

Closed 19/12/2023
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	5.20%	4.85%	4.60%

Fixed Rate Savings Issue 45 (Cash ISA)

Closed 19/12/2023
Interest	AER/Tax-Free
1 year fixed rate	5.20%
2 year fixed rate	4.85%
3 year fixed rate	4.60%

Fixed Rate Savings Issue 44

Closed 06/12/2023
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	5.05%	5.10%	4.80%

Fixed Rate Savings Issue 44

Closed 06/12/2023
Interest	AER/Gross
1 year fixed rate	5.05%
2 year fixed rate	5.10%
3 year fixed rate	4.80%

Fixed Rate Savings Issue 44 (Cash ISA)

Closed 06/12/2023
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	5.05%	5.10%	4.80%

Fixed Rate Savings Issue 44 (Cash ISA)

Closed 06/12/2023
Interest	AER/Tax-Free
1 year fixed rate	5.05%
2 year fixed rate	5.10%
3 year fixed rate	4.80%

Fixed Rate Savings Issue 43

Closed 30/08/2023
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	4.05%	4.15%	4.20%

Fixed Rate Savings Issue 43

Closed 30/08/2023
Interest	AER/Gross
1 year fixed rate	4.05%
2 year fixed rate	4.15%
3 year fixed rate	4.20%

Fixed Rate Savings Issue 43 (Cash ISA)

Closed 30/08/2023
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	4.05%	4.15%	4.20%

Fixed Rate Savings Issue 43 (Cash ISA)

Closed 30/08/2023
Interest	AER/Tax-Free
1 year fixed rate	4.05%
2 year fixed rate	4.15%
3 year fixed rate	4.20%

Fixed Rate Savings Issue 42

Closed 05/07/2023
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	3.50%	3.75%	4.00%

Fixed Rate Savings Issue 42

Closed 05/07/2023
Interest	AER/Gross
1 year fixed rate	3.50%
2 year fixed rate	3.75%
3 year fixed rate	4.00%

Fixed Rate Savings Issue 42 (Cash ISA)

Closed 05/07/2023
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	3.50%	3.75%	4.00%

Fixed Rate Savings Issue 42 (Cash ISA)

Closed 05/07/2023
Interest	AER/Tax-Free
1 year fixed rate	3.50%
2 year fixed rate	3.75%
3 year fixed rate	4.00%

Fixed Rate Savings Issue 41

Closed 14/12/2022
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	2.25%	2.50%	2.75%

Fixed Rate Savings Issue 41

Closed 14/12/2022
Interest	AER/Gross
1 year fixed rate	2.25%
2 year fixed rate	2.50%
3 year fixed rate	2.75%

Fixed Rate Savings Issue 41 (Cash ISA)

Closed 14/12/2022
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	2.25%	2.50%	2.75%

Fixed Rate Savings Issue 41 (Cash ISA)

Closed 14/12/2022
Interest	AER/Tax-Free
1 year fixed rate	2.25%
2 year fixed rate	2.50%
3 year fixed rate	2.75%

Fixed Rate Savings Issue 40

Closed 01/11/2022
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	1.25%	1.30%	1.35%

Fixed Rate Savings Issue 40

Closed 01/11/2022
Interest	AER/Gross
1 year fixed rate	1.25%
2 year fixed rate	1.30%
3 year fixed rate	1.35%

Fixed Rate Savings Issue 40 (Cash ISA)

Closed 01/11/2022
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	1.25%	1.30%	1.35%

Fixed Rate Savings Issue 40 (Cash ISA)

Closed 01/11/2022
Interest	AER/Tax-Free
1 year fixed rate	1.25%
2 year fixed rate	1.30%
3 year fixed rate	1.35%

Fixed Rate Savings Issue 39

Closed 20/09/2022
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	0.55%	0.60%	0.65%

Fixed Rate Savings Issue 39

Closed 20/09/2022
Interest	AER/Gross
1 year fixed rate	0.55%
2 year fixed rate	0.60%
3 year fixed rate	0.65%

Fixed Rate Savings Issue 39 (Cash ISA)

Closed 20/09/2022
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	0.55%	0.60%	0.65%

Fixed Rate Savings Issue 39 (Cash ISA)

Closed 20/09/2022
Interest	AER/Gross
1 year fixed rate	0.55%
2 year fixed rate	0.60%
3 year fixed rate	0.65%

Fixed Rate Savings Issue 38

Closed 02/08/2022
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	0.45%	0.50%	0.55%

Fixed Rate Savings Issue 38

Closed 02/08/2022
Interest	AER/Gross
1 year fixed rate	0.45%
2 year fixed rate	0.50%
3 year fixed rate	0.55%

Fixed Rate Savings Issue 38 (Cash ISA)

Closed 02/08/2022
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	0.45%	0.50%	0.55%

Fixed Rate Savings Issue 38 (Cash ISA)

Closed 02/08/2022
Interest	AER/Tax-Free
1 year fixed rate	0.45%
2 year fixed rate	0.50%
3 year fixed rate	0.55%

Fixed Rate Savings Issue 37

Closed 27/04/2022
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	0.15%	0.20%	0.40%

Fixed Rate Savings Issue 37

Closed 27/04/2022
Interest	AER/Gross
1 year fixed rate	0.15%
2 year fixed rate	0.20%
3 year fixed rate	0.40%

Fixed Rate Savings Issue 37 (Cash ISA)

Closed 27/04/2022
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	0.15%	0.20%	0.40%

Fixed Rate Savings Issue 37 (Cash ISA)

Closed 27/04/2022
Interest	AER/Tax-Free
1 year fixed rate	0.15%
2 year fixed rate	0.20%
3 year fixed rate	0.40%

Fixed Rate Savings Issue 36

Closed 29/04/2021
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Gross	0.30%	0.35%	0.40%

Fixed Rate Savings Issue 36

Closed 29/04/2021
Interest	AER/Gross
1 year fixed rate	0.30%
2 year fixed rate	0.35%
3 year fixed rate	0.40%

Fixed Rate Savings Issue 36 (Cash ISA)

Closed 29/04/2021
Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
AER/Tax-Free	0.40%	0.45%	0.50%

Fixed Rate Savings Issue 36 (Cash ISA)

Closed 29/04/2021
Interest	AER/Tax-Free
1 year fixed rate	0.40%
2 year fixed rate	0.45%
3 year fixed rate	0.50%

* AER is the annual equivalent rate and illustrates what the rate of interest would be if interest was paid and compounded on an annual basis. Gross is the rate of interest if interest was paid and not compounded each year. All credit interest will be paid gross.

Savings rates

Products currently available

Everyday Savings Account

Advantage Cash ISA option

Fixed Rate Savings Issue 65

Products no longer available

Fixed Rate Savings Issue 64

Fixed Rate Savings Issue 63

Fixed Rate Savings Issue 62

Fixed Rate Savings Issue 61

Fixed Rate Savings Issue 60

Fixed Rate Savings Issue 59

Fixed Rate Savings Issue 58

Fixed Rate Savings Issue 57

Fixed Rate Savings Issue 56

Fixed Rate Savings Issue 55

Fixed Rate Savings Issue 54

Fixed Rate Savings Issue 53

Fixed Rate Savings Issue 52

Fixed Rate Savings Issue 51

Fixed Rate Savings Issue 50

Fixed Rate Savings Issue 49

Fixed Rate Savings Issue 48